IFFCO Tokio Family Health Protector Policy

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Family Health Protector is a health insurance policy offered by IFFCO Tokio. With this policy, you can get medical cover for you and your family for any injury or disease related expenses incurred in hospitalization, surgery and organ transplantation etc. You can cover the members of your family including self, spouse and dependent parent and children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent on you. This health insurance policy can be bought by paying affordable premium. Under a single sum insured on floater basis, you can get critical illness cover for your entire family.

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Features & Benefits of IFFCO Tokio Family Health Protector:

Entry Age	The minimum entry age to buy this policy is 18 years. The maximum entry age is 65 years. The policy can be bought for dependent child from the first day of its birth, provided parents are covered alongside. There is no upper age limit for covering dependents.
Renewability	Renewability is available. There is no age limit for renewal of the policy.
Basis	This is a family floater insurance plan.
Sum Assured	The sum assured ranges from Rs. 1, 50,000 to 5,00,000.
Premium	Premium are affordable. However, premiums vary based on the age of the insured person and sum insured.
Medical Screening	Medical screening is required for individuals between the age of 45-55 and 55-65. Medical screening is also required at renewal in case the increase in the basic sum insured is more than 10% of the last year’s basic sum insured.
Critical Illness Covered.	First heart attack of specified severity. Cancer of certain severity. Open chest CABG. Open heart replacement/ repairing of heart valves Coma of specified severity. Renal failure demanding regular dialysis. Stroke leading to permanent damage. Major organ transplantation. Bone marrow transplantation. Permanent paralysis of limbs. Motor neuron disease with permanent symptoms. Multiple sclerosis with permanent symptoms.
Additional Cover	Daily allowance up to a maximum of Rs. 1,000 per day is offered to an insured person during hospitalization. If the hospitalization period is less than 24 hours, daily allowance will be reduced respectively. Ambulance charges are covered up to 0.75% of the sum insured or Rs. 2500 , whichever is lower. Covers pre and post-hospitalization medical expenses. Covers nursing and medical expenses during pre & post hospitalization. Pre-hospitalization is covered for a maximum period of 45 days and post-hospitalization for a period of 60 days. Day care surgeries for 121 surgical procedures are covered without 24 hours of hospitalization. Hospitalization expenses will be paid even if the period of hospitalization is less than 24 hours. But it should be more than 12 hours. However, this will not apply to the listed day care surgeries. Covers the cost of health checkups availed by the insured person individually or collectively. The reimbursement shall not exceed the amount equal to 1% of the basic sum insured during the block of 4 claim free policies. Vaccination expenses are covered. The policy offers a host of valued added services such as emergency assistance services to insured persons during travel. It provides this service at no additional cost.
Benefits	Room rent expenses are covered. Hospital registration and service charges during hospitalization are covered. Covers nursing expenses during hospitalization. Covers surgeon, anesthetist, medical practitioner, consultant and specialist’s fees. Ayurveda, Homeopathy, Unani and Sidha hospitalization expenses are covered up to a specified limit. Cost of Anesthesia, Blood, Oxygen, Operation Theatre, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Radiotherapy, Pacemaker, Dialysis, Chemotherapy Artificial Limbs and Organs is covered. Domiciliary hospitalization is covered up to a maximum aggregate sub-limit of 20% of the basic sum insured. Offers special provision for senior citizens. Get a free look period of 15 days. Get income tax benefits under section 80D of the Indian Tax Act, 1961. Enjoy hassle free claims settlement procedure. Enjoy cashless claim facility available at over 4000 network hospitals spread across India.
Bonus	Offers cumulative bonus of 5% of the basic sum insured at each renewal following a claim free year. It is subject to maximum 50% of the basic sum insured. To get this bonus, the policy needs to be renewed within the expiry date or within a grace period of 30 days. In case, a claim is made, the bonus gets reduced by 5 % at next renewal.
Policy Reinstatement	The basic sum insured in the policy can be restored or reinstated by paying appropriate premiums to the insurance provider. However, the reinstatement of basic sum insured will not be applicable for Critical Illness Extension cover, cumulative bonus, domiciliary hospitalization, Ayurveda, Homeopathic and certain chronic disease etc.
Exclusions	Expenses incurred in weight control program, cost of spectacles and contact lens and other hearing aids, hormone replacement therapy expenses, home visit charges, psychiatric disorders etc. are not covered under this policy.

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Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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